| Metric | Flint Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +10.5% | +4.0% | +6.5 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 2.10% | 1.24% | +0.9 pts |
| ROE | 23.1% | 11.9% | +11.2 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.1M | $310.4M | $275.9M | $32.1M | $3.6M | 2.10% | 4.43% | 1.67% |
| Q1 2026 | $351.8M | $303.9M | $276.0M | $31.5M | $1.7M | 2.02% | 4.44% | 1.63% |
| Q4 2025 | $332.4M | $282.4M | $276.6M | $31.1M | $6.7M | 2.04% | 4.46% | 1.55% |
| Q3 2025 | $330.6M | $283.7M | $270.4M | $30.3M | $4.9M | 1.99% | 4.38% | 1.56% |
| Q2 2025 | $331.0M | $281.0M | $272.1M | $29.5M | $3.2M | 1.96% | 4.32% | 1.42% |
| Q1 2025 | $336.2M | $281.2M | $273.2M | $28.7M | $1.5M | 1.82% | 4.21% | 1.41% |
| Q4 2024 | $316.4M | $261.3M | $270.9M | $28.2M | $5.1M | 1.65% | 4.01% | 1.56% |
| Q3 2024 | $307.3M | $261.2M | $258.3M | $27.6M | $3.6M | 1.57% | 3.94% | 1.70% |
Loan mix (Q2 2026): real estate $250.3M · commercial $27.0M · consumer $2.4M · securities $10.9M
| Ratio | Flint Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 62.9% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Flint Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Flint Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Flint Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Flint Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.